We have stories from a woman who raised her credit score nearly 200 points, a mom of nine who overcame a job layoff and a college grad who was able to pay off $100,000 worth of debt — then start her own business.

They share their tips and secrets for financial success. You can even start using some of their strategies right now.

Secret No. 1: You’re Not Stuck With Your Credit Card Debt

Wanna know something? Even if you have loads of credit card debt right now, that doesn’t mean you’ll have it forever. Heck, that doesn’t even mean you’ll have it tomorrow.

What? We’re serious. One of our favorite first steps in escaping credit card debt is to refinance it with a personal loan.

It might sound counterintuitive — like you’re just moving your debt from your credit cards to a loan — but the truth is, this could lower your monthly payment, save you tons of money in interest over time, and allow you to pay off your debt faster..

If you’re not sure where to start looking, use a website called Fiona. It’ll match you with a low-interest loan (rates start at 3.84%). You can then use that loan to wipe out your credit card debt. Then you’re left with just one bill to pay every month.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars.

We chatted with one San Francisco resident who struggled to keep up with her credit card debt. She faced a minimum monthly payment of $274 plus $154 in monthly interest plus a $99 annual credit card fee. She said it felt like she was on a treadmill.

She decided to refinance with a personal loan, which spared her from what would’ve been $14,000 in interest over time.

Secret No. 2: You Can Leave Your Kids $1 Million

If you have kids, you’ve probably worried about what’ll happen to them if something were to happen to you…

For single mom Rebekah Pearsall, this was difficult to consider. “Since my son doesn’t have a biological father in his life, I wanted to make sure he was secure if something were to ever happen to me,” she said.

That’s when she started looking into life insurance.

You’re probably thinking: I don’t have the time or money for that. But your application can take minutes — and, if you’re approved, you could leave your family $1 million by spending a low monthly fee on term life insurance with a company called Bestow.

Plus, the peace of mind of knowing your family is taken care of is priceless.

Secret No. 3: You Don’t Have to Have an MBA to Start a Business

If you dream of starting a business, don’t let the fact that you don’t have a business degree from an Ivy League school hold you back. (Yeah, imposter syndrome is the worst.) We’ve talked to plenty of women who’ve successfully started businesses on their own.

Here’s a story that really resonates with our frugal hearts: The Budget Mom.

After graduating college, Kumiko Love had $100,000 worth of debt — student loans, credit cards and medical bills. All that good stuff. Still, she had trouble sticking to a budget. So she gave up.

Then she started studying the psychology behind money and that gave her a renewed hope: She started viewing her situation through a positive lens. She combined several budgeting tactics and started logging her process through her blog, The Budget Mom.

And guess what? Love is now debt free and she recently quit her full-time job to focus on her seven-figure business, The Budget Mom.

Secret No. 4: Be an Advocate For Yourself (and Your Credit Score)

It’s easy to pass your credit score off as some silly three-digit number — that’s what most of us did throughout our early twenties anyways. But what happens when you want to buy a car? Or a house? That seemingly arbitrary number starts to play a huge role in your life.

And here’s the unfortunate fact: You can do everything right, but if your credit report has an error (one in five reports do), it could be holding you back — for no good reason. That’s why it’s important to keep an eye on things.

Thankfully, a free website called Credit Sesame will give you your credit score for free and help you detect any errors on your report. If you find any, it will even help you dispute them.

Salome Buitureria, a working mom in Louisiana, found a major error on her report — a supposed unpaid medical bill that had definitely been covered by Medicaid. Using Credit Sesame, Buitureria fixed the mistake and took additional steps to raise her credit score from 524 to nearly 700.**

**Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.